Exhibit 99.2

UWHARRIE CAPITAL CORP

CERTIFICATION OF PRINCIPAL FINANCE OFFICER

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C.ss.1350)

The undersigned hereby certifies that, to his or her knowledge, (i) the Form 10-QSB filed by Uwharrie Capital Corp (the “Issuer”) for the quarter ended September 30, 2002, fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, and (ii) the information contained in that report fairly presents, in all material respects, the financial condition and results of operations of the Issuer on the dates and for the periods presented therein.

Date:  November 7, 2002	By:	/s/    Barbara S. Williams
		Barbara S. Williams SVP, Principal Finance Officer